Exhibit 24

                               POWERS OF ATTORNEY

      Each of the undersigned directors and officers of Oak Hill Financial, Inc.
(the "Corporation")  whose signature appears below hereby appoints John D. Kidd,
R. E. Coffman,  Jr. or Ron J. Copher, or either of them, as his attorney-in-fact
to sign,  in his  name and on  behalf  of and in any and all  capacities  stated
below, and to cause to be filed with the SEC, the Corporation's Annual Report on
Form 10-K (the "Annual Report") for the fiscal year ended December 31, 2004, and
likewise  to sign and file any  amendments,  post-effective  amendments,  to the
Annual Report,  hereby  granting unto such attorneys and each of them full power
and  authority  to do and perform in the name and on behalf of the  undersigned,
and in any and all such capacities,  every act and thing whatsoever necessary to
be done in and about the premises as fully as the undersigned  could or might do
in person.  Hereby granting to such  attorney-in-fact full power of substitution
and  revocation,  and hereby  ratifying  all that such  attorney-in-fact  of his
substitute may do by virtue hereof.

      IN WITENESS WHEREOF,  the undersigned have executed this Power of Attorney
in counterparts if necessary, effective as of March 15, 2005.

               SIGNATURE                              TITLE

/s/ Evan E. Davis                       Director
--------------------------------
Evan E. Davis


/s/ John D. Kidd                        Chairman and Director
--------------------------------
John D. Kidd


/s/ R. E. Coffman, Jr.                  President, Chief Executive Officer and
--------------------------------        (Principal Executive Officer)
R. E. Coffman, Jr.   Director


/s/ David G. Ratz                       Chief Administrative Officer
--------------------------------
David G. Ratz


/s/ Ron J. Copher                       Chief Financial Officer, Secretary and
--------------------------------        Treasurer (Principal Financial and
Ron J. Copher                           Accounting Officer)


/s/ D. Bruce Knox                       Chief Information Officer
--------------------------------
D. Bruce Knox


/s/ Scott J. Hinsch, Jr.                Vice President
--------------------------------
Scott J. Hinsch, Jr.


/s/ Candice R. DeClark-Peace            Director
--------------------------------
Candice R. DeClark-Peace


/s/ Barry M. Dorsey                     Director
--------------------------------
Barry M. Dorsey, Ed.D.


/s/ Donald R. Seigneur                  Director
--------------------------------
Donald R. Seigneur

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<PAGE>

                                                          Exhibit 24 (continued)

                               POWERS OF ATTORNEY

      Each of the undersigned directors and officers of Oak Hill Financial, Inc.
(the "Corporation")  whose signature appears below hereby appoints John D. Kidd,
R. E. Coffman,  Jr. or Ron J. Copher, or either of them, as his attorney-in-fact
to sign,  in his  name and on  behalf  of and in any and all  capacities  stated
below, and to cause to be filed with the SEC, the Corporation's Annual Report on
Form 10-K (the "Annual Report") for the fiscal year ended December 31, 2004, and
likewise  to sign and file any  amendments,  post-effective  amendments,  to the
Annual Report,  hereby  granting unto such attorneys and each of them full power
and  authority  to do and perform in the name and on behalf of the  undersigned,
and in any and all such capacities,  every act and thing whatsoever necessary to
be done in and about the premises as fully as the undersigned  could or might do
in person.  Hereby granting to such  attorney-in-fact full power of substitution
and  revocation,  and hereby  ratifying  all that such  attorney-in-fact  of his
substitute may do by virtue hereof.

      IN WITENESS WHEREOF,  the undersigned have executed this Power of Attorney
in counterparts if necessary, effective as of March 15, 2005.

                 SIGNATURE                           TITLE


/s/ William S. Siders                            Director
------------------------------------------
William S. Siders


/s/ H. Grant Stephenson                          Director
------------------------------------------
H. Grant Stephenson


/s/ Neil S Strawser                              Director
-------------------------------------------
Neil S. Strawser


/s/ Donald P. Wood                               Director
-------------------------------------------
Donald P. Wood

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